DIY- FYI

Whatever project is next, be prepared. Check your home insurance has you covered

It’s easy to see why so many of us enjoy a spot of DIY in our spare time. Even the simplest DIY improvements can make a huge difference to the way you and your family feel about your home.

Before you start your next project, make sure your home insurance is up to the job. A number of home insurance claims are linked to DIY mishaps, and not everyone finds they have valid cover. But if you’re prepared, nothing can stay in the way of your next transformation.

How to check if you’re covered

If you’re an existing home insurance customer, here’s a link to our policy booklets so that you can check what’s covered, what’s available as additional cover, as well as advice on making claims and frequently asked questions.

Before you start

A splash of paint

New home? Or new ideas? Painting a room is a cheap way to make a big impact but paint spills on carpets are a common reason to claim. Check to see if your carpet is covered...with a dust sheet...and accidental damage cover on your policy.

Spring a leak

Leaks in kitchens and bathrooms can be an expensive problem to fix. If you're planning to tackle any plumbing yourself, double check you know what's involved, as older plumbing is often harder to fix than it looks. Check all pipe joints are secure, and whether your policy covers you for DIY damage to plumbing.

Mind the gap

If you’re taking out windows and doors for any length of time, even overnight, check what steps your insurer wants you to take while your home isn’t 100% secured. If your home is more vulnerable to thieves, it’s better to be on the safe side.

Know the drill

Always check for electrical cables and pipes with a multi-meter before you drill holes in the wall to prevent accidental damage to walls. Pin your policy details down too. Check whether you’ll need additional accidental damage cover to cover you for DIY accidents.

Moving out temporarily

If you’re planning to leave your home unoccupied for longer than 30 days it’s important to advise your insurer to discuss how this may affect your cover. You may not be able to claim for loss or damage that happens if you leave your property unattended for longer than 30 days.

Avoid garden flooding

Changing levels in your garden with a new deck or patio can leave you at risk of flooding so don’t forget to do your research. Before you start any major projects like this, it’s always worth checking the specifics of your policy. If anything’s not clear speak to your insurer before you start.

DIY safety

If you’re new to DIY this advice on using ladders safely by the Health and Safety Executive is a must read.

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